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STOCK COMPARISON

Indian Railway Finance Corporation vs Visa Inc. Class A: Fair Value & Quality

Both stocks run through our valuation models. Here is how Indian Railway Finance Corporation (IRFC) and Visa Inc. Class A (V) compare, as of Aug 8, 2026.

As of Aug 8, 2026, Fair Value Calculator sees Indian Railway Finance Corporation as the less overvalued of the two: Indian Railway Finance Corporation trades at ₹89.29 versus a fair value of ₹69.72 (-22%), while Visa Inc. Class A trades at $370 versus $204 (-45%).
Indian Railway Finance Corporation
IRFC.NSE · INR · Financials
-22%
upside to fair value
overvalued
Price₹89.29
Fair Value₹69.72
Quality44/100
Visa Inc. Class A
V · USD · Financials
-45%
upside to fair value
overvalued
Price$370
Fair Value$204
Quality79/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Indian Railway Finance CorporationVisa Inc. Class A
Valuation
16.6×P/E (TTM)30.4×
16.15×P/S (TTM)15.42×
2.05×P/B17.51×
78.7×EV/EBITDA22.0×
—PEG1.53×
—Dividend yield0.8%
—Dividend per share$2.60
Profitability
97%Net margin52%
96%Operating margin67%
13%Return on equity60%
1%Return on assets19%
Growth
1%Revenue growth (YoY)17%
4.9%Avg. growth/yr (3Y)10.9%
11.7%Avg. growth/yr (5Y)12.9%
Balance & size
7.69×Debt / equity0.52×
$12BMarket cap$664B
healthyGrowth qualityhealthy

Visa Inc. Class A leads: 4 to 8 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Indian Railway Finance Corporationof which business quality 43 · market factors 32 Visa Inc. Class Aof which business quality 76 · market factors 67
ProfitabilityMargins and returns on capital today
36
76
Quality GrowthAre margins and returns improving?
24
41
CashflowEarnings quality: real cash, not paper profit
57
85
Fin. StrengthBalance sheet, leverage, solvency risk
1
71
InvestmentDisciplined investing over empire-building
83
85
Low VolatilityCalm price path (market factor)
85
83
MomentumPrice trend over the last 3–12 months (market factor)
13
53
52W MomentumDistance to the 52-week high (market factor)
2
72
Net IssuanceBuybacks instead of dilution
81
100

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Indian Railway Finance Corporation

Earnings-Based₹110
Dividend Discount₹40.12
Multiples₹91.18
Asset-Based₹29.09
Economic Profit₹50.31
Growth Earnings₹147

5 of 11 models see the stock below the current price.

Visa Inc. Class A

DCF Models$283
Earnings-Based$148
Multiples$133
Asset-Based$15.30
Growth DCF$225
Economic Profit$179
Growth Earnings$227

23 of 24 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Indian Railway Finance Corporation
Bear ₹52.29Fair Value ₹69.72Bull ₹87.16
₹89.29 = current price (white tick)
Visa Inc. Class A
Bear $122Fair Value $204Bull $335
$370 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Indian Railway Finance Corporation · Financials

Quality score44 · bottom 25%
Fair value upside-22% · below median

Visa Inc. Class A · Financials

Quality score79 · Top 25%
Fair value upside-45% · bottom 25%

Bottom line

As of Aug 8, 2026, Fair Value Calculator sees Indian Railway Finance Corporation as the less overvalued of the two: Indian Railway Finance Corporation trades at ₹89.29 versus a fair value of ₹69.72 (-22%), while Visa Inc. Class A trades at $370 versus $204 (-45%).

Visa Inc. Class A has the higher quality score (79/100).

See the full analysis →
Indian Railway Finance Corporation · Visa Inc. Class A

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.